6. Max out federal loans first
Federal student loans (look for the names Perkins Loans, Stafford Loans, and/or Ford Direct Loans) are your first best source of student borrowing. Perkins isn't widely available but Stafford/Ford loans are.
The federal government recently increased the maximum Pell grant to $5,550 for the 2011 to 2012 school year, and it is available year-round.